Terms of use

1. Acceptance

By using Selurio you accept these terms. If you do not agree, do not use the platform.

2. Access and use

The core features (calculators, blog) are free for educational use. Minimum age: 18, or with the permission of a parent/guardian.

Prohibited use:

• scraping or automated access without permission;
• republishing the content for commercial purposes;
• attempting to reverse engineer the calculators;
• spam or abuse.

3. No advice and no personal recommendation

Selurio is an educational and informational platform for financial literacy. All content — articles, calculators, simulators and the glossary — is for educational and informational purposes only. Nothing on the platform constitutes or should be construed as investment, financial, tax, accounting or legal advice.

Selurio does not provide personal recommendations within the meaning of the Markets in Financial Instruments Act (ЗПФИ) and is NOT a licensed investment intermediary, investment advisor, management company or any other entity supervised by the FSC. The content is of a general nature, addressed to the public at large, and does not take into account your specific financial circumstances, goals, knowledge, experience or risk tolerance. See also the full Disclaimer.

The content is not a recommendation, invitation, offer or solicitation to buy, sell, subscribe for, hold or otherwise transact in financial instruments, nor to use any specific service, product or provider. Any mention of instruments, indices, companies or strategies is purely illustrative.

The results of the calculators and simulators are hypothetical and based on the assumptions you enter. They are not a forecast and do not account for the full range of fees, taxes, inflation, volatility, liquidity and personal circumstances. Past performance and historical data do not guarantee future results.

4. Your own responsibility and no reliance

Using the platform does not create an investment-advisory, discretionary-management, brokerage or any fiduciary relationship between you and Selurio. The content should not be the sole or primary basis for any investment, tax or financial decision.

Before any decision, do your own research and consult a licensed investment, tax or legal advisor who understands your specific situation, and read the relevant documentation for the instrument (e.g. prospectus, KID). Every decision is entirely yours and at your own risk.

5. Intellectual property

All content on Selurio (articles, calculators, design, logos) is the property of Selurio or its respective licensors and may not be copied, distributed or modified without written permission.

6. No warranties and limitation of liability

The platform and content are provided “as is” and “as available”, without express or implied warranties of accuracy, completeness, timeliness or fitness for a particular purpose. Some data may come from external sources, for whose accuracy Selurio is not responsible.

To the maximum extent permitted by law, Selurio and its owners, authors and contributors are not liable for any direct, indirect, incidental or consequential damages, lost profits or losses (including investment losses) arising from the use of the platform or from reliance on the content. To the extent the applicable law permits a limitation, total liability shall not exceed EUR 100 or the amount paid for the service over the last 12 months — whichever is greater. Nothing in these terms excludes liability that cannot be excluded by law.

7. Governing law

Bulgarian law. The courts of the city of Sofia have jurisdiction over disputes.

8. Changes

We reserve the right to change these terms with 30 days’ notice on the site.